Listing of new financial instrument - CBL23 Capitec Bank Limited (Incorporated in the Republic of South Africa) (Registration No. 1980/003695/06) Company code: BICAP ISIN: ZAG000126350 (“Capitec Bank”) LISTING OF NEW FINANCIAL INSTRUMENT The JSE Limited has granted Capitec Bank (the “Issuer”) the listing of its CBL23 Unsubordinated Floating Rate Note (the “Notes”), in terms of its R8,000,000,000 Domestic Medium Term Note Programme dated 25 April 2008, effective 18 May 2015. INSTRUMENT TYPE: Unsubordinated Floating Rate Notes Total Notes in Issue: R5,867,000,000 (exclusive of this issue) Instrument Code: CBL23 Nominal Issued: R500,000,000 Issue Price: 100% Interest Rate: 8.575% (3 Month JIBAR as at 13 May 2015 of 6.125% plus 245 bps) Coupon Rate Indicator: Floating rate Issue Date: 18 May 2015 Interest Commencement Date: 18 May 2015 First Interest Payment Date: 18 August 2015 Maturity Date: 18 May 2018 Last day to register: 17h00 on 12 August, 12 November, 12 February and 12 May of each year until the Maturity Date Books Close: 13 August, 13 November, 13 February and 13 May of each year until the Maturity Date Interest Payment Date(s): 18 August, 18 November, 18 February and 18 May of every year until the Maturity Date ISIN: ZAG000126350 Business Day Convention: Following Business Day The Notes will be immobilised in the Central Securities Depository (“CSD”) and settlement will take place electronically in terms of JSE Rules. 15 May 2015 Debt Sponsor Rand Merchant Bank (A division of FirstRand Bank Limited) Date: 15/05/2015 09:05:00 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE'). The JSE does not, whether expressly, tacitly or implicitly, represent, warrant or in any way guarantee the truth, accuracy or completeness of the information published on SENS. The JSE, their officers, employees and agents accept no liability for (or in respect of) any direct, indirect, incidental or consequential loss or damage of any kind or nature, howsoever arising, from the use of SENS or the use of, or reliance on, information disseminated through SENS.